Mitero yomunzvimbomo chinhu chinopfuurira asi chinowanzofuratirwa mumari yomunhu oga nebhizimisi. Nepo mitero yehurumende nehurumende inogamuchira goverano yengwariro yeshumba, mitero inopinzwa neguta rako, nyika, ruwa rwechikoro, uye zviremera chaizvo zvinotera mitero zvinogona kuumba mari yako yakanyarara, zvisarudzo zvako zvedzimba, uye kunyange basa rako rinofambira mberi. Kunzwisisa kuti iyi mitero inoshanda sei, nei ichisiana zvikuru kwazvo kubva kubumbiro rimwe remitemo reZiP kunotevera, uye chaunogona kuita kuderedza pesvedzero yayo kunokosha nokuda kwomunhu upi noupi anoda kuchengeta mari yavo inotarirwa nesimba.

Mitero Yomunzvimbomo Chii uye Nei Ichikosha?

Mitero yomunzvimbomo inoiswa navakuru vakuru vehurumende, maruwa, mataundi emumaruwa, maruwa ezvikoro, uye mamwe masangano ehurumende echikamu chepasi pevhu. Kusafanana nemitero yehurumende kana kuti yehurumende, iyo inotsigira mapurogiramu akafara akadai sedziviriro yorudzi kana kuti migwagwa mikuru yeruwa, mitero yomunzvimbomo nokuda kwemibato yaunoshandisa zuva riri rose: zvikoro zvavose, mapurisa nedziviriro yomoto, chengeteko yemigwagwa, maraibhurari, utsanana, uye kurapwa kwemvura. Nemhaka yokuti aya mabasa anobhadhadharwa munharaunda, mutoro wemitero unogona kusiana zvikuru kunyange pakati penzanga dziri pedyo.

Ukoshi hwemitero yomunzvimbomo kuchikwama chako hahugoni kunyanyosiiwa. Kubatanidzwa, zvinhu zvomunzvimbomo, kutengesa, uye mitero yemari yemari zvinogona kusvitsa zviuru zvamadhora pagore nokuda kwemhuri chaiyo. Mumitero yakakwirira, hwerengedzo yomutero yomunzvimbomo inopfuura 12% yemari inowanwa yapamba, nepo munzvimbo dzakaderera mitero ingava pasi pe 3%. Uku kurambira kunoreva kuti kusarudza kwokugara chisarudzo chemari yakawanda sezvakuri kunoda upenyu.

Marudzi Makuru Emitero Yomunzvimbomo

Kunzwisisa rudzi rumwe norumwe rwemitero yemunzvimbo iyoyo kunobatsira kuronga mari yauchachengeta uye kuziva mikana yokuchengeta mari.

Mitero Yezvinhu

Mitero yenhumbi ndiyo mitero inokosha zvikuru yenzvimbo yedzimba dzemo. Mitero iyi inoenderana nezvinofungidzirwa kuti inokosha. Mitero iyi inonyanya kupiwa muzvikoro zvehurumende, asi inotsigirawo mitero, mabasa enjodzi, uye mabasa ehurumende.

Mwero inoratidzirwa sechigayo che levy (chitsama pa $6 000 yomutengo wakaongororwa). Somuenzaniso, levy yamaguyo 20 inoreva $20 mumutero nokuda kwe $6 000 yomutengo unobhadharwa. Nhamba dzemitero dzinosiyana nehurumende: dzimwe yera pamutengo wemari yose, dzimwe pagiramu. Mumativi akawanda, varidzi vemisha vanogona kukumbira kubviswa kwepamusha uko kunoderedza ukoshi hunotanhamariswa nokuda kweimba yokutanga.

Nhumbi dzechikamu chikuru: Nguva dzose hwirudzura chiverengero chako chezvinhu nokuda kwezvikanganiso. Kana unodavira ukoshi hwemusha wako hunoenzana hunopfuura ukoshi hwemari inotengeswa, unogona kunyora kukwirira. Maruwa mazhinjisa ane muitiro wakarongeka waikoku. Mukuwedzera, nyika zhinji dzinopa gadziriro dzeyamuro yenhumbi nokuda kwavakweguru, vagara nebasa, kana kuti vareri vedzimba vakaderera.

[ Dzidza zvakawanda pamusoro penzira inoshanda nayo mitero yenzvimbo kubva kuTrusa Policy Center.

Mitero Inotengeswa

Mitero yemari inotengeswa pakutenga zvinhu uye, mune dzimwe nzvimbo, mabasa. Mitero yezvokutengeserana yomunharaunda inowedzerwa pamusoro pemwero wenyika, kuchitungamirira kumwero wakabatanidzwa unogona kupfuura 10% mumaguta akadai seChicago, Memphis, kana kuti Seattle. Chikamu chomunzvimbomo chingabhadharwa nenzvimbo, maguta, uye maruwa chaiwo akadai sezviremera zvokufambisa kana kuti makambani okushambadza.

Nemhaka yokuti mitero yokutengesa inodzorwa nejere-rokuti mhuri dzinowana mari dzinopedza chikamu chikuru chemari yadzinotambira pazvinhu zvinobhadharwa nemutero nejekiseni. Zvisinei, zvinodikanwa zvakawandasa kufanana nezviri kutengeswa nemirimo inobvumirwa zvinohesvurwa, kunyange zvazvo ikoku kuchisiyana nenzvimbo.

Tutsoro kuti uderedze tapuro: Chitoro munzvimbo dziri pedyo nedzine mwero yakaderera kana ichishanda. Shandisa betsero yekupera kwamavhiki kusina mutero nokuda kwemigove yechikoro kana kuti midziyo inoshanda nesimba. Nokuda kwezvokutenga zvikuru, rangarira nguva yako yokutenga apo unenge uchienda kunzvimbo yemitero yakaderera.

[ Ona mwero yemitero yemari yazvino uno yakabatanidzwa neyomunzvimbomo kubva kuTsitsi Foundation.

Mitero Inobhadharwa Munharaunda

Kunyange zvazvo nyika zhinji dzichiisa mutero wemari, mamwe maguta nenzvimbo dzinoverenga mari yadzowo inobhadharwa pavagari vemo(*) uye dzimwe nguva kuvashandi vasiri vapanyika vanoshanda pasi pehurumende. Mienzaniso inocherechedzwa inobatanidza New York City, Philadelphia, Detroit, uye manisiparati akawanda muOhio, Pennsylvania, uye Kentucky. Mitero iyi inowanzova chiverengero chakati pesei chemibhadharo nemari inobhadharwa, kunyange zvazvo nzvimbo shomanene dzichishandisa mwero inofambira mberi.

Kana uchigara muguta rine mutero wemari inotambirwa asi uchishanda uri kunze, unogona kubhadhara mutero kuguta raunogara.

Action tails: Ongorora kana guta rako kana kuti nyika ine mutero wemari inotambirwa. Kana uriwe wetekikomuteshi wako, inzwisisa kuti nzvimbo yawaunoshandira nekero yomusha wako zvinotapura sei kunyima. Nyanzvi yemitero inogona kukubetsera kuronga zvibvumirano zvemitengo.

[ Nhungamiro yeHIR pamitero yemari yomunharaunda.

Bhizimisi Nemitero Yamabasa

Maguta nenzvimbo dzinobhadharwa dzinowanzoisa mari yerezenisi rebhizimisi, mitero mikuru, uye mitero yeropafadzo yebasa.

Mitero iyi inogona kuva yakaoma uye yakasiyana - siyana.

[ Mitero yebhizimisi yokunzvera: Zvinodikanwa zvomunzvimbomo usati wazarura nzvimbo yebhizimisi. Chengeta zvinyorwa zvokungwarira zvemarisiti makuru namashoko avashandi. Rangarira kushandisa basa rokutera mutero kana kuti CPA yomunzvimbomo inoronga mutero webhizimisi munharaunda yako.

Mitero Isingabhadhari

Mitero yemari inoshandiswa pamabasa akadai semagetsi, gasi romusikirwo, mvura, tsvina, kuunganidzwa kwetsvina, uye kurukurirano nefoni. Inowanzovanzwa mumabhiri ako emwedzi nomwedzi, kuchiaita kuti ave nyore kufuratira. Hurumende dzomunzvimbomo dzinoshandisa iyi mitero kutsigira mabasa makuru, gadziriro, kana kuti mapurogiramu akananga akafanana nezvirongwa zvokubudirira kwesimba.

Masvomhu anogona kuva mubhadharo wakapfumbarara pamwedzi, chikamu muzana chemari yakarongwa yakavakirwa pakushandiswa. Somuenzaniso, guta ringawedzera 5% yemitero yemagetsi pamari. Yakabatanidzwa nemitengo yehurumende neyokuwedzera, aya mavhomo anogona kuwedzera hwerengedzo yemari inoshandiswa ne 10% kana kupfuura.

Kuderedza mubatanidzwa: Kuderedza ndyiko kuderedza chitsama chemari yakavakirwa panzvimbo yemitero. Kana une bhizimisi rakavakirwa pamusha, ungakwanisa kubvisa chikamu chendyiko yepfuma semari yebhizimisi, inogona kuderedza mutoro wemutero pamwero womubatanidzwa. Dzimwe nzvimbo dzinopa kuregererwa kana kuti mwero yakaderedzwa nokuda kwedzimba dzinowana mari shoma.

Kubatsira Chaiko Kwemitero Yomunzvimbomo Pamari Yako

Kunze kwezvinhu zviri pachena pamusoro pokudzorerwa kwako mutero, mitero yomunzvimbomo inotapura upenyu hwako hwemari munzira dzinoverengeka dzamanomano asi dzine simba.

Mari Isina Basa Nesimba Rokushandisa

Mari yose inoendeswa kumitero yomunzvimbomo idhora rausingagoni kuchengeta, kuisa mari, kana kuti kupedzera pazvinhu zvakarongwa. Mumitero yakakwirira, muuyo unowedzerwa unogona kuva mukuru. Mari inotambira mari yemari ye 10% mumitero yomunzvimbomo inorasikirwa ne $8 000 pagore (8 000) kutsigira zororo, muripo wemotokari, kana kuti gore remari yekoreji. Uku kuderera kwemari inochengetwa kunogona kudzongonyedza mararamire uye kunononotsa nharidzano huru dzemari dzakadai samuridzi weimba kana kuti mudyandigere.

Mutengo Wokugara Nedzimba Dzisingadhuri

Mitero yomunzvimbomo inotapura zvakananga mutengo wokurarama. Mitero yezvivako yakakwirira inowedzera mari yemari yemari yemoneri yedzimba yemwedzi nomwedzi uye inopfuudzirwa kuvarendi vemari yerendi muchimiro cherendi yakakwirira.

Musha une mutengo wakaderera asi mitero yenzvimbo yakakwirira ungatodhura zvikuru munguva pfupi kupfuura musha unodhura zvikuru munzvimbo ine mutero wakaderera.

Kuronga Mari Yacho Nokuronga

Mitero yemomuno inogona kuchinja sezvo hurumende dzinochinja mitengo, kuongororazve zvinhu, kana kuti kushandisa mitero mitsva. Wedzero yakamwe kamwe inogona kuvhura bhajeti rako rakarongwa nokungwarira remari inobhadharwa mwedzi nomwedzi. Kana vakarega basa pamari yakarongeka, mitero yezvinhu inogona kuva dambudziko guru remari. Kuronga kuwedzera kwemitero kungabvira nokuvaka bhajeti yemari yako kana kuti kuongorora mapurogiramu okuderedza mitero (inowanika mune dzimwe nyika dzevakura) kunogona kugovera rugare rwendangariro.

Kutenga Mari Nokudzokera Kunoshandira

Mitero yomunzvimbomo inogona kupesvedzera apo vanhu vanosarudza kugara, basa, uye mari. Mitero yenzvimbo yakakwirira ingadzivisa kuiswa kwenzvimbo yezvivako munzvimbo dzakati, nepo mitero yakaderera ichigona kukwezva mabhizimisi navagari. Nokuda kwavaridzi vemari, kunzwisisa migariro yemitero yomunzvimbomo kunokosha pakunzvera kudzorwa kwenzvimbo dzokurenda kana kuti bhizimisi. Nenzira yakafanana, vashandi vari kure vane chichinjiko chisina muenzaniso chokusarudza ganhuriro dzemitero yakaderera yemari .[1]

Kana uri kurangarira kutama, enzanisa kwete mitero yemari nemitero yokutengesa asiwo mitero yemari, mitero yemari, mitero yemari, uye mirau ipi neipi chaiyo. Treaxis Foundation’s Stateal Business Treaty Charial Index [[[FLT: 1] inobatanidza mashoko omutero womunzvimbomo nokuda kwenyika dzakawanda uye inogona kubatira senzvimbo yokutanga yokuenzanisa.

Kubatanidza Mitero Yomunzvimbomo Kwakafanana Nemutero

Kubhadhara mitero yomunzvimbomo kunoda nhamburiko yokushingaira, asi kubhadhara mabhiri emitero akaderera nezvinokatyamadza zvishoma — kunosanokukodzera.

Ramba Uchiziva Nezvekuchinja Kwezvinhu

Mwero yemitero yomunzvimbomo inoiswa namadare eguta, masangano eruwa, uye masangano ezvikoro. Kunzwa kwapachena namavhoti pamitero mitsva kana kuti mwero wewedzero zvinowanzoziviswa pachine nguva mberi. Zvinyorese kumashoko ehurumende omunzvimbomo, tevera mikoto yenzanga yeguta rako, kana kuti nzvera website yemanisiti yenyika. Kuziva kuti mwero uri kuuya mumwedzi mitanhatu kunokupa nguva yokugadziridza mari yako kana kuti gadziriro dzokunzvera mitoo yokushandisa.

Bvunza Nyanzvi Yemitero

Nyanzvi yeakaunzi yavose yapamutemo kana kuti mutengi akanyoreswa uyo ari nyanzvi munyika yako nenzvimbo anogona kupa zano rinogadzirirwa. Ikoku kunokosha zvikuru kana une bhizimisi, une nzvimbo dzokurenda, kana kuti kutama pakati pehurumende. Nyanzvi inogona kukubetsera kuziva mari yaungarasikirwa nayo. Yakadai semitero yemari padzokero yako yehurumende (pasi pe $10 000 SALT cap) uye inokuvimbisa kuti uwirirane nezvinodikanwa zvose zvemitemo zvomunzvimbomo.

Kudziridza Mitambo, Zvikwereti, uye Kusunungurwa

Zvirongwa zvakawanda zviripo kuderedza kurwadza kwemitero yomunharaunda.Mienzaniso inowanzoitwa ndeiyi:

  • kusapinda pamusha kwenzvimbo yenzvimbo kunoderedza ukoshi hwezvinhu hunobhadharwa nokuda kwedzimba dzapakuvamba.
  • [ Mugari wemo kana kuti urema hunoisa chando icho kepisi inowedzera nokuda kwavanhu vanokwaniriswa.
  • [[FULT:0] shanduro nokuda kwavagara vakaremara kana kuti vakwanyina vakapukunyuka.
  • [ Sangano risingadzorwi rokuisa marusando ezuva kana kuti zvinhu zvinoshanda zvakanaka zvikuru, pane dzimwe nguva zvinopiwa nemidziyo yemagetsi yomunzvimbomo kana kuti hurumende.
  • [[[FOL:0] Mitero inoregeredzwa [ nokuda kwokutenga kwakati (mutoo, zvokugadzira nazvo, migove yokurima).

Zvizhinji hazvishambadzwi zvakanyanya, saka ungafanira kutaura nehofisi yemutengi kana kuti sangano rinoona nezvokubudirira kwemari kuti uzive zviripo.

Ronga Kukwirira Mutero Wezvinhu Nemapurogiramu Okubhadharwa

Kana une musha, nzwisisa kutenderera kwokunzvera zvinhu munharaunda yako. Kunzvera kunowanzoitika gore negore kana makore mashomanene ari ose. Kana ukadavira kuti nzvero yako yakakwirira zvikuru (hwumwe nemhaka yemisika inoderera kana kuti zvikanganiso muchinyorwa chenzvimbo) unganidza mashoko okutengesa akaenzana uye nyora chinhu chinhu chinotengwa. Muitiro wacho unowanzova wakaderera zvikuru uye unogona kukuponesa mazana amadhora kwamakore anouya.

Dzimwe nzvimbo dzinobvumira chikamu chimwe chete chemari pagore kana kuti chikamu chimwe chete chegore kubhadhara mari, izvo zvinogona kuderedza kubhadharwa kwemari.

Chinokosha Mumitero Yemunharaunda Muzvisarudzo Zvikuru Zvoupenyu

Pakutenga musha, kutanga bhizimisi, kana kuti kugamuchira basa muguta idzva, batanidza kunzverwa kwomutero kwomunzvimbomo mumuitiro wako wokuita zvisarudzo. Shandisa paIndaneti mari inotengwa inobatanidza mashoko omutero. Kuvatengesi vemisha, kumbira mari yomutero yazvino uno yomutengesi uye kubvunza pamusoro penzvero dzipi nedzipi dziri kuuya (mhiko, nokuda kwezvikoro zvitsva kana kuti migwagwa). Basa rinopa, enzanisa kubhadharwa kwemambure pashure pokubhadharwa kwemitero yomutero yomunzvimbomo nemutengo wemari inobhadharwa (ingatapurwa nemitero yerasi yomunzvimbomo kana kuti mitero yerautsi).

Kuenzanisa Mitoro Yemitero Yomunzvimbomo Nezvekutonga

Kuisa mitero yomunzvimbomo mumurangariro wakanaka, kunobetsera kuona kuti vanoisa sei mumugariro wenyika. Mukuwirirana nemashoko azvino uno kubva kuTsitsi Foundation, mwero weavhareji yehurumende neyomunzvimbomo yemitero muUnited States inenge 8.5%, asi mwero inovambira pa 4% mumativi eHawaii kusvikira kuinopfuura 10% mumaguta makuru. Mwero yemitero yenzvimbo inotova inochinja zvikuru: mwero inoshanda (mutero wechitsama chose sechikamu chemari inotengwa) kubva pa3,5% muHawaii kusvikira kuinopfuura 2% muNew Jersey neIllinois.

Mitero yomumusha, nepo isingazivikanwi zvikuru, inogona kuwedzera 1% kusvika ku 4% kana kuti kupfuura pamitero yemari yenyika. Mumaguta akadai sePhiladelphia, mutero wemari inobhadharwa inodokusvika 4% nokuda kwavagari vemo. Kumubhadhari mukuru, ikoko kunogona kureva zviuru zvemadhora gore negore.

Pakuenzanisa nharaunda, usangotarira bedzi parudzi rumwe rwemitero. Nzvimbo yemitero yenzvimbo yakaderera ingava nemitero yakakwirira nemitero yemari inotambirwa, uye mari yemitero inoshanda. Nhamba yose yemitero yomunzvimbomo segoverano yemari inotambirwa(icho menuro ine revo zvikurusa. Mawebsite akawanda anogovera mwero wemitoro yehwerengedzo yeruwa.

Mugumisiro: Dzora Mutero Wako Womunzvimbomo

Mitero yemo inogara iripo nguva dzose, asi haifaniri kuva chinhu chinokunetsa kana kuti chinokudyira mari. Nokunzwisisa mhando dzemitero yaunotarisana nayo, kuchinja, kushandisa kusabhadhara mitero inowanika, uye kutsvaka kutungamirira kwenyanzvi painenge ichidiwa, unogona kuderedza mutoro wako woita zvisarudzo zvemari zvakanaka. Ungave uri muridzi wemusha, muridzi werendi, muridzi webhizimisi, kana kuti mushandi ari kure, munhu anodzidza mutero mundima yako, anogona kuchengetedza chikwama chako.

Yeuka kuti zviito zviduku — kunzvera, kutenga mumugwagwa wenyika, kana kuti kukumbira nzvimbo inoburitswa shamhu yemusha (jeni) kuva mari inokosha. Gara wakaziviswa, ramba uchiita basa, uye uchashandisa mutero womunzvimbomo nechivimbo.